| Weiss Ratings |
Monterey County Bank
Monterey, CA |
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| Rating | ||||
| Asset Quality Index | 7.70 | |||
| Capitalization Index | 8.40 | |||
| Liquidity Index | 3.50 | |||
| Profitability Index | 0.00 | |||
| Stability Index | 3.40 | |||
| Company Info |
Monterey County Bank
Monterey, CA |
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| FDIC Number | 22460 | |||
| Phone Number | (831) 649-4600 | |||
| Website | www.montereycountybank.com | |||
| Asset Quality |
Monterey County Bank
Monterey, CA |
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| 1-Year Asset Growth | 24.86% | |||
| 5-Year Asset Growth | 7.50% | |||
| 5-Year Charge-Offs to Average Loans | -0.13% | |||
| Charge-Offs to Average Loans | 3.92% | |||
| Non-Performing Assets to Assets | 1.29% | |||
| Non-Performing Loans to Capital | 0.00% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
Monterey County Bank
Monterey, CA |
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| Total Assets | 283.00M | |||
| Total Deposits | 208.49M | |||
| Capital and Reserves |
Monterey County Bank
Monterey, CA |
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| Capital | 32.10M | |||
| Leverage Ratio | 9.91 | |||
| Loan Loss Reserves to Loans | 1.19% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Monterey County Bank
Monterey, CA |
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| Hot Money Ratio | 37.30% | |||
| Liquidity Ratio | 24.07% | |||
| Profitability |
Monterey County Bank
Monterey, CA |
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| 5-Year Return on Average Assets | -0.03% | |||
| Net Income | -3.55M | |||
| Net Interest Spread | 4.05% | |||
| Operating Profit to Average Assets | -1.44% | |||
| Overhead Efficiency Ratio | 129.72% | |||
| Return on Assets | -1.45% | |||
| Return on Equity | -11.99% | |||